Sunday, May 31, 2009

Free Annual Credit Card Reports Authorized Website

In regards with my first post entitled Free Credit Card Reports Important Facts, Only one website is authorized to fill orders for the free annual credit report you are entitled to under law — Other websites that claim to offer “free credit reports,” “free credit scores,” or “free credit monitoring” are not part of the legally mandated free annual credit report program. In some cases, the “free” product comes with strings attached.

For example, some sites sign you up for a supposedly “free” service that converts to one you have to pay for after a trial period. If you don’t cancel during the trial period, you may be unwittingly agreeing to let the company start charging fees to your credit card.

We must be very careful in terms of logging in or in dealing with such Free Credit Card Reports because there are many phishing websites or those impostor websites that tries to steal that precious piece of your personal information.

According to, their central site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.

The above statement literally means that you can only check your reports once a year (once every 12 months) tru their site. So make sure that you will only check or request that report if necessary and really needed.

Also, warns and advices their users and/or visitors to check and be aware on how they arrived from the site. This thing can make you ensure that you are visiting the legitimate and only trusted site by the FTC. To ensure that you are visiting the legitimate site, type directly into the address bar on your browser. You will never receive an email directly from the Annual Credit Report Request Service.

With the above information given, I hope that you have now some insights, information and a piece of data that you can rely on upon checking your free credit card reports. Just always be safe, attentive and most of all; be very vigilant on making online query about your credit cards.

If you have anything to say or to add about this post of mine, please feel free to leave it on the comment section.


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